Best premium credit cards for low spenders?
If you qualify for premium cards there is still value in getting them, even if you don't have a high annual spend. Certainly in such cases you would would want to avoid paying annual fees, but that doesn't mean your choices would be restricted to no annual fee cards either. Many banks will rebate the annual fee on a high-end credit card if you have their high-end chequing accounts, and it's likely a person in this situation would easily be able to meet whatever minimum balance they'd need to get the monthly bank account fees waived.
With low spending the "return" of the card becomes a much less important factor, and the insurance and other perks that come with the card become a relatively much more important factor. The insurance might be the main reason someone with a low spend would still be interested getting a premium card, especially if they could swing it without it costing them anything more then a more basic card would. Or maybe they'd still want to get the best rewards on what they do spend, even if it doesn't come out to much in absolute terms.
I'm thinking the BMO eclipse Visa Infinite is a strong contender here because of the $50 annual lifestyle credit and the insurance it offers, and you'd only need a $6000 balance in a BMO chequing account to get the annual fee rebated every year (alternatively BMO offers a family plan so they can piggy-back on someone else in their household who has premium chequing). Even if the rewards rates aren't as strong as other options the lifestyle credit becomes relatively more valuable the lower your spend is.